How quickly can you start collecting my debt?

Most cases are actioned within 24–48 hours of receiving your instruction and supporting documents. Urgent matters can be progressed the same day.

How much does commercial debt collection cost?

We operate on a no win, no fee commission basis: 15% +VAT on business-to-business debts and 20% +VAT on business-to-consumer accounts. There are no upfront or hidden fees — you only pay when we recover.

What is the success rate for commercial debt recovery?

Across recent cases we recover 98% of valid commercial debts referred at pre-legal stage. Success depends on debt age, evidence quality and debtor solvency — all of which we assess for free up front.

How long does the debt collection process take?

Around 70% of cases settle within 30 days of instruction at the pre-legal stage. Cases that escalate to legal action or insolvency typically resolve within 60–120 days depending on court timelines.

What evidence do I need to provide?

Copies of unpaid invoices, statements of account, signed contracts or purchase orders, delivery notes and any correspondence with the debtor. The more evidence, the stronger the case.

How old can a debt be before it becomes uncollectable?

Under the Limitation Act 1980 most commercial debts in England and Wales must be pursued within 6 years of becoming due. Older debts can sometimes be revived if there has been acknowledgement or part-payment — speak to us before writing them off.

Will using a debt collection agency damage my customer relationships?

No. We act as a professional extension of your finance team, communicating ethically under your brand values. Most customers respect a firm but fair approach and continue trading with you afterwards.

What is a Letter Before Action?

A formal pre-court notice giving the debtor a final opportunity (typically 7–14 days) to pay before legal proceedings are issued. It is a required step under the Pre-Action Protocol for Debt Claims.

Can you recover international debts?

Yes. We operate across the UK, Europe and worldwide through our trusted partner network, with multi-currency reporting and local-language collection where required.

Can I claim interest and compensation under the Late Payment Act?

For most commercial debts you can claim statutory interest (8% above Bank of England base rate) plus fixed compensation of £40–£100 per invoice under the Late Payment of Commercial Debts (Interest) Act 1998. We apply this automatically where eligible.

Do I need to instruct a solicitor as well?

No. Our in-house legal recovery team handles County Court, High Court and insolvency action under your authority — no separate solicitor required.

How do I track progress on my case?

Every client receives 24/7 access to our secure online portal showing live case status, payments, communications and recovery actions. Your account manager also reports proactively.

How it works

The debt collection process,
clearly explained.

A transparent, five-stage commercial debt recovery process — from first instruction through to recovered funds. No upfront fees, no jargon, and a dedicated UK account manager throughout.

Start a case

Free guide: Introduction to Debt Collection

Our 8-page client brochure covering services, our recovery process, sector experience, fees and what to expect. Enter your email to receive your copy.

No win, no fee

15% +VAT on B2B debts, 20% +VAT on B2C. No upfront costs, ever.

Fast first contact

Most debtors contacted within 48 hours of instruction.

FCA regulated

ISO 9001 & 27001 certified. Ethical recovery that protects your brand.

Our five-stage recovery process

From instruction to recovered funds — every step explained, with indicative timescales.

Stage 1Same day
Reach out to our specialists
Call 0800 953 3631, submit a case online or message us through the client portal. Free, no-obligation consultation — usually within the same working day.
Stage 224–48 hours
Share your debt information
Upload invoices, statements, signed contracts, purchase orders and correspondence. We carry out a pre-sue assessment to confirm the debt is recoverable.
Stage 3Days 1–14
Pre-legal recovery begins
Your dedicated account manager makes contact with the debtor by letter, telephone, email and SMS. Trace and investigation services run in parallel for absconding accounts.
Stage 4Days 7–30
Negotiation & settlement
We negotiate full payment, lump-sum settlement or a structured repayment plan — always preserving your commercial relationship where possible.
Stage 5Day 30+
Legal escalation (if required)
If pre-legal recovery fails we issue a Letter Before Action, then proceed to County Court, High Court enforcement or insolvency action with your authority.

What every client gets

Results-based, commission-only fee structure

One dedicated UK account manager

Sector and industry expertise

Free pre-sue assessment on every case

In-house legal recovery service

In-house trace and investigation

24/7 access to the secure online portal

Multi-currency, multi-jurisdiction collection

Frequently asked questions

The debt collection process,clearly explained.